Disputing negative credit report entries play a big part in fixing your credit, but you need a strategy to make the process easier. One of the most effective strategies involves ranking the negative items from most to least impactful. Here are 10 ranked negative items on your credit report to dispute.

Ranking and Disputing Credit Report Entries

As mentioned before, we’re ranking the negative items from most to least impactful. This need to be done on all three credit reports.

If you need help requesting a credit report check out “Three Ways You Can Request Your Credit Report”. If there are duplicate items between the three credit reports you will still have to write to the credit agencies individually to dispute the duplicate items.

On the other hand, if one of the credit reports have a unique item then you only have to write to the credit agency involved concerning that item. Disputing credit report entries can be frustrating, however, with the right strategy the process becomes easier and less stressful.

10 Ranked Negative Items On Your Credit Report To Dispute

There are ten negative items on a credit report. We will rank them from most to least impactful.

Bankruptcy

Foreclosure

Repossession

Loan Default

Court Judgment

Collections

Past Due Payments

Late Payments

Credit Rejections

Credit Inquiries

Be Mindful Of The Date Listed For The Credit Report Entries

It’s important to be mindful of the date the credit report entry was added to your credit report. Since, after two years the entry will have less impact on your credit score.

A Credit Repair Strategy Is Important

A strategy is important for cleaning your credit report while increasing your credit score. For each credit report, you will need to write detailed information for each item you plan on disputing. This is followed by the name of the creditor, the account number, the original delinquency date, and the category the item fall under.

You’re now ready to dispute the negative items on your credit report. Good luck!